Things John said

dacouch · 20 March 2019 at 7:50PM

This has got to be one of my all time favourites, I particuarly like the explanation lol

https://www.honestjohn.co.uk/askhj/answer/120928/is-it-better-to-claim-through-house-insurance-or-car-insurance-

Zorillo · 20 March 2019 at 10:13PM

dacouch wrote: »

This has got to be one of my all time favourites, I particuarly like the explanation lol

https://www.honestjohn.co.uk/askhj/answer/120928/is-it-better-to-claim-through-house-insurance-or-car-insurance-

That is astonishing.

dacouch · 21 March 2019 at 12:28AM

Zorillo wrote: »

That is astonishing.

It's the normal quality of his advice

dacouch · 7 July 2019 at 3:54PM

https://www.honestjohn.co.uk/askhj/answer/128487/do-consumers-have-to-disclose-that-their-vehicle-has-been-a-total-loss-then-repaired-

Dangermac · 7 July 2019 at 5:15PM

dacouch wrote: »

https://www.honestjohn.co.uk/askhj/answer/128487/do-consumers-have-to-disclose-that-their-vehicle-has-been-a-total-loss-then-repaired-

This does not need to be declared (under a private car policy), unless the insurer specifically ask the question.

Refer to Consumer Insurance Disclosure and Representation Act 2012. https://www.financial-ombudsman.org.uk/businesses/complaints-deal/insurance/misrep-and-non-disclosure

DM

dacouch · 7 July 2019 at 7:59PM

Dangermac wrote: »

This does not need to be declared (under a private car policy), unless the insurer specifically ask the question.

Refer to Consumer Insurance Disclosure and Representation Act 2012. https://www.financial-ombudsman.org.uk/businesses/complaints-deal/insurance/misrep-and-non-disclosure

DM

Which is the answer he should have given.

Last time I looked Axa and Swift Cover specifically ask whether the car is written off. Someone folowing Guru's advice with such a company runs the risk of a voided policy

Dangermac · 8 July 2019 at 8:08AM

dacouch wrote: »

Which is the answer he should have given.

Last time I looked Axa and Swift Cover specifically ask whether the car is written off. Someone folowing Guru's advice with such a company runs the risk of a voided policy

I agree. But to be fair, the question that he was answering was:

'Do consumers have to disclose that their vehicle has been a total loss then repaired?

As a side issue, the voided/cancelled insurance issue is a real problem in my opinion and unfairly (in many situations) penalises mistakes to a greater extent than the mistake warrants, and potentially for ever. Something I have raised with the FCA more than once.

DM